
- Release-tax free equity from your house
- Use the money to help your family
- Are you still paying a mortgage? No problems
- Continue to stay in your house
- It can be a vehicle to reduce tax bills
- No brokers fees
If you don’t want a lifetime mortgage or equity release, and want a regular interest-only mortgage at 3.97%, regardless of your age, please Click Here
Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97%, regardless of age? Please Click Here



One Family Retirement Mortgages
UK Equity Release Lenders
- the Telegraph
- One Family
- the Telegraph
- Stepchange
- Aviva Equity Release
- Liverpool Victoria LV Equity Release
- More2Life Flexi Choice Drawdown Lite Plan
- NatWest Equity Release
- Royal Bank of Scotland Equity Release Plans
- Canada Life Interest Select Gold Flexi
- L&G Legal & General Flexible Max Plus
- TSB Lifetime Interest Only Mortgage
- Royal Bank of Scotland Equity Release Plans
- Saga home reversion plan
- Age Partnership Equity Release
- Aviva Lifestyle Flexible Option
- Bridgewater Lifetime Mortgage
- Just Retirement Interest Only Lifetime Mortgage
- L&G Legal & General Premier Flexible Lifetime Mortgage
- Liverpool Victoria LV Equity Release
- Nationwide Equity Release Plans
- Saga Equity Release Schemes
- Aviva Lifetime Mortgages for Pensioners
- Canada Life Lifetime Mortgage
- HSBC Equity Release
- Royal Bank of Scotland Equity Release
It’s very common to discover individuals seeking out monthly payment equity releases, lump sum lifetime mortgages, or lifetime mortgages with flexible drawdown cash releases. However, the Telegraph, like AIG Life, is keen to see proof of your personal situation through pension statements.
Drawbacks of Equity Release Plans
The monthly payments for a lifetime mortgage can reduce your estate value. Home reversion schemes may impact the ability to claim benefits. You may need to pay a broker’s fee, and some products may expose you to changes in interest rates.
Areas of the UK where equity release is routine
- Patchway
- Marazion
- Salcombe
- Minster
- Midsomer Norton
- Rye
- Polegate
- Louth
- Shildon
- Plympton
- Midhurst
- Ipswich
- Westbury
- Southwick
- Southall
- Middleton
- RIO Iva in 2025
- Bad Credit Mortgages Landbay for 2025
- Home Equity Loan Equity Release Over 55 for 2025
- Interest Only Lifetime Mortgages Declined for 2025
- Pensioner Mortgage Reinforced Mesh K Lath Construction UK
- Bad Credit Mortgages Allied Irish Bank Aib UK
- Refinance Properties Involved In Commercial Farming in 2025
- RIO HSBC UK
- RIO Furness Building Society in 2025
- Retirement Mortgage Penrith Building Society in 2025
- Refinance Properties Valued At Less Than £100000 in 2025
- Refinance Age 40 for 2025
- RIO Under Power Of Attorney UK
- Home Equity Loan Bluestone Mortgages for 2025
- Equity Loan Asbestos Sheet in 2025
- Interest Only Mortgage Category C S Listing Scotland Listed in 2025
- Equity Loan Leeds Building Society UK
- Interest Only Mortgage Properties That Have A Flat Roof UK
- Bad Credit Mortgages Bradford & Bingley Plc in 2025
- Interest Only Lifetime Mortgages Merseyside Liverpool for 2025
- RIO Dudley Building Society UK
- Remortgage Property With Lodgers Tenancy Agreement UK
- Refinance Accord Mortgages UK
- Equity Loan Spray Foam Insulation UK
- Refinance Pensioners Over 65 for 2025
- Equity Loan Properties Flooded In The Past Five Years in 2025
- Home Equity Loan Hanley Economic Building Society in 2025
- Interest Only Mortgage New Street Mortgages for 2025
- RIO For Tenants In Common in 2025
- Retirement Mortgage Mortgage Express in 2025
- Interest Only Mortgage Age 48 in 2025
- Retirement Mortgage Virgin Money in 2025
- Equity Loan Barnsley Building Society UK
- Retirement Mortgage Bristol for 2025
- Home Equity Loan Daily Telegraph for 2025
- Equity Loan Tyne & Wear Newcastle UK
- Equity Loan Refinance for 2025
- Pensioner Mortgage Swansea Building Society for 2025
- Refinance Age 54 for 2025
- Refinance Properties, Which Are Made Up Of Multiple Titles for 2025
- Home Equity Loan Annexe Homes in 2025
- Remortgage Bad Credit Properties Built Entirely Of Timber Or Timber Frame for 2025
- Kent Reliance
- RIO Age 53 for 2025
- Interest Only Mortgage Nedbank Private Wealth for 2025
- Refinance Post Office for 2025
- Home Equity Loan Secure Trust Bank in 2025
- Interest Only Mortgage Melton Mowbray for 2025
- Home Equity Loan Cambridge Building Society UK
- Equity Loan Saffron Building Society Mortgages UK
- Equity Loan Spray Foam for 2025
- Remortgage Atom Bank UK
- Pensioner Mortgage Wimpey No Fines Construction in 2025
- No Credit Check
- Interest Only Mortgage Age 43 for 2025
- Equity Loan St James Place Bank in 2025
- Equity Loan Zephyr Mortgages for 2025
- Bad Credit Mortgages Precise Mortgages in 2025
- RIO Age 49 in 2025
- Interest Only Mortgage Direct Lender for 2025
- Equity Loan Properties With Walls Of Cob Construction for 2025
- Retirement Mortgage Under 45 in 2025
- Equity Loan Clydesdale Bank UK
- Equity Loan Buckinghamshire Building Society UK
- Retirement Mortgage Crofted Houses in 2025
- Interest Only Lifetime Mortgages Belfast Northern Ireland in 2025
- Remortgage Bad Credit Foreign Nationals for 2025
The first and second charge lenders will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is an Assured shorthold tenant.



Pensioner Mortgage Roll Up







Interest Only Lifetime Mortgages Roll-Up

Wealthy business owners who could benefit from equity release tax planning
- Other professional, scientific and technical activities n e c Edgware
- Manufacture of other carpets and rugs Ingleby Barwick
- Other residential care activities n e c Farnborough
- Sale of other motor vehicles Poole
- Manufacture of fasteners and screw machine products Honiton
- Activities of venture and development capital companies Heathfield
- Manufacture of telegraph and telephone apparatus and equipment Hadleigh
- Renting and leasing of office machinery and equipment, including computers Wimborne Minster
- Disinfecting and exterminating services Cranbrook
- Manufacture of bicycles and invalid carriages East Cowes
- Treatment and coating of metals Epsom and Ewell
- Manufacture of soft furnishings Chertsey
- Retail sale of audio and video equipment in specialised stores in Leyburn
- Barristers at Law Grays
- Other service activities n e c Leyland
- Manufacture of other electronic and electric wires and cables Wetherby
- Wholesale of other food, including fish, crustaceans and molluscs Ashford
- Manufacture of office machinery and equipment except computers and peripheral equipment Colyton
- Wholesale of chemical products Chudleigh
- Manufacture of prepared feeds for farm animals Wadebridge
- Publishing of learned journals Hayes
- Furnace and chimney cleaning services Mablethorpe and Sutton
- Retail sale of bread, cakes, flour confectionery and sugar confectionery in specialised stores Wells-next-the-Sea
- Construction of domestic buildings Craven Arms





How much is it expected to release from a home
The older you are and the sicker you are, the more money you can release.
Equity Release LTV
- 50% lifetime mortgage with flexible drawdown cash release Maximum cover Equity Release
- 50% loan to value interest-only lifetime mortgages Legal and General
- 34.22% loan to value monthly payment life time mortgage Optimum Credit
- 30% loan to value monthly payment lifetime mortgage West Bromwich Building Society
- 24.22% LTV monthly payment lifetime mortgage Secure Trust Bank








Hard-to-mortgage property variants can include properties where proposed building works have not yet commenced, properties where the ownership is set up on a tenancy in common basis, feuhold/freehold properties (including flats) in Scotland, commonhold properties and properties with leased solar panels.
Some of the most common retirement finance offerings include Lloyds Bank lifetime mortgages, HSBC mortgages for those over 70, NatWest help-to-buy for those over 60s, Legal and General later life interest-only mortgages for over 70, and Nationwide Building Society later life interest-only mortgages for over 60.
Difficult-to-finance home variants include Timber-framed properties constructed after 1965, timber-framed properties built between 1920 and 1965, properties with a minimum floor area of 30 square metres, coach houses, i.e. freehold properties with garages beneath, and basement or lower ground-floor flats without level access to private or communal garden space.
Some of the most popular loan-to-value percentage ratios for TSB remortgages for people over 50, Barclays Bank mortgages over 65, Post Office mortgages for 60 plus, Legal and General equity release plans for people over 60, RBS later life interest-only mortgages over 70, and Nationwide later life interest-only mortgages over 75 are 44.22%, 60%, and 64.22%.
Tough-to-finance property titles include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with grounds over five acres, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that are being used for personal commercial use and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.
Challenging mortgage home variants can include properties that will be assessed for flood risk, properties without a kitchen or bathroom, some properties with sitting tenants or regulated tenancies, corrugated iron construction, and concrete frames.
How much can I release?
You can release 64.22% of your home’s value. For example, if your house is valued at £280,000, you can borrow £182,000.